Scotia MyAdvice

Here is some helpful information we’ve selected for you based on your responses. Each article has tips, information, and recommendations that can help you meet your financial goals during this time.

Debt consolidation and mortgage information for you 

Learn more about your options as you plan your next steps. 

Tips to help you pay off your debt

Streamline your debt repayment and get back on track faster.

Lower your borrowing costs

Use the equity in your home to help cover unforeseen expenses and manage your payments with the Scotia Total Equity® Plan (STEP). 

Refinancing your mortgage

Build more flexibility into your financial toolbox with a home equity loan or line of credit.

Take a look at more articles that match your results

mortgage options

Mortgage payment relief

You can request to defer payments on your mortgage for up to 6 months. Interest will continue to accrue during that time and will be added to your mortgage account balance at the end of the deferral period.


What’s next after payment deferrals

If you continue to face financial hardship due to COVID-19, we’re here to help and have more options available to support you.


Why relief is important

Our financial relief measures are designed to help give you financial flexibility.


Canada's relief measures

Stay up to date on the government’s COVID-19 Economic Response Plan, including details on the relief measures available.


Benefits Finder tool

Answer a few questions from the Government of Canada and receive a list of benefits and services you may be eligible for.  


Faster benefits access

With direct deposit, you can receive CERB and other CRA payments faster than receiving a cheque by mail.


Stay on top of your finances with Scotia InfoAlerts

Scotia InfoAlerts now includes payment alerts to help you keep track of the payment status of your credit card or line of credit accounts.


Creditor insurance

Learn more about our comprehensive range of affordable creditor protection coverage that matches your Scotiabank credit account.

money management

Manage your mortgage online

We’ve made home financing digital, from applying for a mortgage online to making a pre-payment in the Scotiabank app.

Know your credit score

Your credit score is an essential part of your financial health. Find out what it is and how to improve it.

Learn about credit scoresLearn about your credit score

Manage your money

From building a budget to saving for emergencies, we can help you take charge of your financial future.

Get money management adviceGet money management advice

More support for you

Scotiabank COVID-19 Support Hub

We offer a variety of relief options for businesses and individuals facing difficulties due to COVID-19.

Learn about Canada’s relief measures

Stay up to date on the government’s COVID-19 Economic Response Plan and the relief measures available.

Helpful advice by appointment

Our advisors are available for phone appointments, so you can get customized advice from the comfort of home.